Introduction Malaysians are beginning to realize the convenience of online banking and investing, despite the fact that online banking trends in Malaysia are still at its infancy stage and most revenues come from corporate banking clients. With the increase in awareness and education of the general public, banks are beginning to view the online channel as a positive step to decrease costs and increase revenue by reducing staff and branch networks. The four states, which …showed first 75 words of 3749 total…

…showed last 75 words of 3749 total…Law. Vol. 15, No.10, pp250-256. *<Tab/>Stijn, C., Glaessner, T. and Klingebiel, D., (2000), 'Electronic Finance: Reshaping the financial landscape around the world.' World Bank. Financial Sector Discussion Paper No.4. *<Tab/>Suganthi, Guru, K. and Shanmugam, B., (2001), 'Internet Banking Patronage: An Empirical Investigation of Malaysia', Journal of Internet Banking and Commerce. V6, no.1, May. *<Tab/>The Financial Gazette Online, posted on Thursday 5 June 2003.